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Insurance and Fees

We participate with many major insurance plans. A list of insurance plans that L.O. Eye Care participates with is available here. Insurance plans change frequently, so please check with your insurance carrier prior to your appointment to ensure your coverage. Our billing staff will be happy to answer any of your insurance questions at 517-337-1668.

Frequently asked billing questions:

Why didn't my insurance pay for my exam?

There are two types of insurance that cover eye care, Vision Insurance and Medical Insurance. L.O. Eye Care must bill the appropriate insurance as legally directed. Although the examination that you receive may be the same or similar to previous visits, the reason for the exam and the doctor's diagnosis dictate how we must bill our patients. Please refer to this article for additional information.

Medical Insurance - (Blue Cross/Blue Shield, Medicare, Aetna, etc.)

This type of insurance provides benefits for the treatment of medical problems including medical eye problems. To obtain coverage under medical insurance, a symptom or complaint indicative of eye disease, eye injury, or a chronic medical condition is the reason for your visit.

Common diagnoses for which Medical Insurance would be billed are:

Bullous Keratopathy

Cataracts

Conjunctivitis

Corneal Edema

Corneal Erosion

Corneal Injury

Corneal Transplant/rejection

Dermatochalasis

Diabetes

Dry Eyes

Ectropion

Entropion

Eye Pain

Floaters

Foreign Body

Fuchs Dystrophy

Glaucoma

Headache

Herpes Simplex

Iritis

Keratitis

Lupus

Nasolacrimal Duct Obstruction

Neoplasm Benign or Malignant

Ocular Hypertension

Pseudostrabismus

Pterygium

Ptosis

Retinopathy of Prematurity

Rheumatoid Arthritis

I came in for my yearly eye exam - shouldn't it be billed to my vision insurance?

If you have a medical concern such as cataracts, blurry or dry eyes, or any medical diagnosis and medical insurance must be billed. Please refer to this article for additional information.

Why do I have a $49 charge for a "refraction fee"?

A refraction is a test generally used to determine how well a person sees. Refractions may be necessary for the physician to diagnose your eye condition.

If you have a medical problem, your visit must be billed to your medical insurance and you may still need a refraction. Unfortunately, refractions are not covered by some insurances, such as Medicare, even if a patient has glaucoma, cataracts, etc.